![]() Traditional secured credit cards usually follow the same basic concept: Your up-front deposit is equal to your credit limit. This makes it ideal for those with poor or no credit. Chime doesn’t perform a hard credit check, which also means there’s no minimum credit score to get one. This card is also a good choice if you want to avoid a hard inquiry on your credit report. Otherwise, there may be out-of-network ATM withdrawal fees. In addition, Chime gives you access to over 60,000 free ATMs: MoneyPass ATMs in 7-Eleven locations, Allpoint ATMs, and Visa Plus Alliance ATMs. This means there is no revolving debt and, thus, no interest. Chime charges no enrollment fees, annual_fees annual fees, and no interest, as you can’t charge more to it than what is in your checking account. It’s also best for those who like to avoid fees. The card_name is best for people who receive direct deposits of at least $200 but may not have a lot of cash lying around. Doesn’t report credit utilization to credit bureaus.No option to upgrade to an unsecured card.
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